Introducing International Accounts: Get Paid Abroad, Reconciled at Home.
Receive payments in 32+ currencies through local account details, settle to your Indian bank, and stop matching foreign credits to invoices by hand.
Collect from clients worldwide at the mid-market rate, settle to your Indian bank in 24 hours, and never manually reconcile a foreign payment again.
Variabl's International Accounts let you receive payments in 32+ currencies through local account details in major markets, at the mid-market rate with a flat 0.5% fee, no forex markup. Funds settle to your Indian bank within 24 hours, and every payment is automatically matched to the right invoice and reflected in your income, GST and tax records.
Key takeaways :
- Collect payments in 32+ currencies through local account details, no separate foreign bank account needed.
- Mid-market rate, flat 0.5% fee, no hidden FX markup.
- Funds settle to your Indian bank account within 24 hours.
- Every payment is auto-matched to an invoice and reflected in income, GST and tax records.
- Runs on RBI-regulated payment rails through licensed partners, not a side channel outside the system.
Why do foreign payments cost more than they should?
Get paid by a client abroad through the usual channels and two things quietly eat into what you keep: a marked-up exchange rate that's rarely the one you see on Google, and a fee stacked on top of it. Add to that the manual work of matching a foreign credit in your bank statement back to the invoice it was for, in a different currency, on a different date, often for a different amount after fees.
None of that is unavoidable. It's just what happens when the payment and your books live in two different places.
What do you actually get?
- Local account details for global clients : receive account details in major markets and share them with clients, platforms and partners abroad, the same way a local business would.
- One flat, transparent fee : live mid-market rate, zero FX markup, one all-inclusive 0.5% fee. No stacked charges.
- 24-hour INR settlement, with documentation : funds move to your Indian bank account directly, with payment documents included for eligible transactions.
- Built into your Variabl workflow : every payment can be matched to an invoice, reflected in your income dashboard, and made ready for GST, income tax and export-filing review.
How does it actually work?
Submit your details once to activate your International Account.
Receive account details in major markets and share them worldwide.
Send an invoice or add your account details to payout platforms — clients pay via local bank transfer, ACH, SEPA or SWIFT.
Funds settle directly to your Indian bank account within 24 hours.
The payment is matched to the right invoice, documents are attached, income is updated, and the transaction becomes ready for export filings, GST, tax and CA review.
The payment arrives. Variabl knows what to do with it.
Standalone payment apps show that money came in. Variabl turns every payment into a clean business record, linked to the right invoice, client, documents, GST workflow, income tax calculation, and CA review.
Most apps stop when the money lands. Variabl helps you manage what happens next.
Payment received Received
Acme Inc. paid $2,500
- Matched to invoice INV-1042
- FIRA attached
- Added to global income
- Invoice added for GST filing
- Income tax calculation updated
- Ready for CA review
- Ready for Export filings
How does the rate actually compare?
On the same $1,000 invoice, the gap between providers is real money — mostly hidden in the exchange rate rather than a visible fee line.
| Provider | You receive (illustrative, $1,000) | vs mid-market |
|---|---|---|
| Variabl | ₹95,338.15 | Best rate |
| Wise | ₹93,325.99 | -2.1% |
| SWIFT wire | ₹91,984.55 | -3.5% |
| Payoneer | ₹91,984.55 | -3.5% |
| Visa / Mastercard | ₹91,026.38 | -4.5% |
| PayPal | ₹87,672.77 | -8.0% |
Is it actually compliant and secure?
Yes, the account runs on RBI-regulated payment rails through licensed partners, not an informal workaround. Every account is verified with PAN and Aadhaar KYC, protected with two-factor authentication, and financial data is secured with bank-grade, 256-bit encryption end to end.
Secure. Compliant.
Built for Indian global income.
Variabl runs on compliant payment rails through RBI PA-CB approved regulated partners and protects your money, documents, and financial records from KYC to settlement.
- Govt. of India Trusted
- 256-bit TLS
- RBI/FEMA Compliant
- 2FA Protected
Bank-grade encryption
256-bit TLS on all data. Financial details are protected at every layer.
2FA protected
Two-factor authentication and multiple layers of account security.
PAN + Aadhaar KYC
Every account is verified before activation.
India-first compliance
Built for FEMA, FIRA, GST/LUT, and Indian tax workflows from day one.
What happens after the money lands?
This is the part that's easy to miss when comparing pure payment tools: the payment doesn't just arrive, it's matched to the invoice it was for, the exchange details and payment documents are attached, your income dashboard reflects it, and the transaction sits ready for GST, income tax and export-filing review with your CA. Nothing needs a spreadsheet to tie a foreign credit back to what it was actually for.
Frequently Asked Questions - FAQs
How many currencies can I receive with Variabl?
Variabl's International Accounts support 32+ currencies through local account details in major markets.
What does Variabl charge for international payments?
A flat, all-inclusive 0.5% fee on the live mid-market rate, with no additional FX markup.
How long does it take for funds to reach my Indian bank account?
Funds typically settle to your Indian bank account within 24 hours of being received.
Is Variabl's International Account compliant and secure?
Yes. It runs on RBI-regulated payment rails through licensed partners, with PAN and Aadhaar KYC verification, two-factor authentication, and bank-grade 256-bit encryption.
Do I still have to reconcile foreign payments manually?
No. Each payment can be automatically matched to the relevant invoice and reflected in your income, GST and tax records inside Variabl.